Are Your Subaru Outback Auto Insurance Rates Draining Your Savings?

Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me when I say you’re not the only one. Many car insurance companies compete for your business, so it can be very hard to choose a provider and get the best coverage at the lowest rate possible.

It’s a good idea to shop coverage around before your policy renews because prices are variable and change quite frequently. Even if you got the best price for Outback coverage a year ago you may be paying too much now. You can find a lot of misleading information regarding auto insurance on the internet, so by reading this article, you’re going to learn some good information on how to buy auto insurance cheaper.

If you are insured now or are looking for a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners only need to know the most efficient way to shop for auto insurance on the web.

Free Auto Insurance Quotes

All major auto insurance companies such as GEICO, State Farm and Progressive provide coverage price quotes on the web. Getting quotes doesn’t take much effort as you simply enter the coverages you want as detailed in the form. When the form is submitted, the company’s rating system obtains your driving record and credit report and provides a quote based on these and other factors. Online quotes streamlines rate comparisons, but the time it takes to visit each company’s website and repetitively type in the same information is monotonous and tiresome. But it’s absolutely necessary to perform this step in order to find the lowest auto insurance rates.

The better way to compare rates

An easier way to lower your rates requires only one form that analyzes rates from multiple companies. It’s a real time-saver, requires much less work on your part, and makes online price comparison much more enjoyable. After sending the form, it is quoted and you can choose any of the quotes that you receive.

If you find a better price you simply finish the application and purchase coverage. The whole process can be completed in a matter of minutes and may result in a nice savings.

To quickly find out how much you can save on auto insurance, click here to open in new window and submit your coverage information. To compare your current rates, we recommend you enter coverages and limits as close as possible to your current policy. This way, you will have a rate comparison based on the exact same insurance coverage.

Cut your premium with discounts

Insuring your vehicles can cost a lot, but you may find discounts that you may not even be aware of. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be manually applied prior to receiving the credit. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Safe Drivers – Safe drivers may receive a discount up to 45% less for Outback coverage than drivers with accident claims.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up to age 25.
  • Save over 55 – Mature drivers may receive better auto insurance rates for Outback coverage.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for discounted rates on garaged vehicles.
  • Clubs and Organizations – Affiliation with a civic or occupational organization may earn a discount on auto insurance for Outback coverage.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for Outback coverage with a few auto insurance companies.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Multiple Policy Discount – If you have multiple policies with one company you will save at least 10% off all policies.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like comp or med pay. Just because you may think you can get free auto insurance, it just doesn’t work that way. Any amount of discount will cut the cost of coverage.

To choose companies with the best auto insurance discounts, click here.

Buying auto insurance from a local agent

A small number of people just want to buy from a licensed agent and that is just fine! Licensed agents can help determine the best coverages and give you peace of mind. The best thing about price shopping on the web is you may find the best rates and still have an agent to talk to. Supporting local agencies is especially important in small towns and cities.

Once you complete this quick form, the quote information is immediately sent to agents in your area who will compete for your business. You never need to visit any agencies since price quotes are sent directly to your email. How cool is that?!

Insurance agents come in two varieties

When researching local agents, you must know there are a couple types of agencies that differ in how they can insure your vehicles. Agents are either independent or captive. Both insure your vehicles, but it’s worth learning how they differ because it can influence buying decisions.

Independent Insurance Agents

Independent insurance agents are not required to write business for one company so they can insure your vehicles with many different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally without you having to go to a different agency.

When searching for an agent, it’s a good idea to include multiple independent agents to have the most options to choose from.

Agency Captives

This type of agents work for only one company and examples are AAA, State Farm, Farmers Insurance and Allstate. These agents are not able to give you multiple price quotes so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on their company’s products which helps them compete with independent agents.

For a full directory of agencies, visit this page.

Selecting an auto insurance agent needs to be determined by more than just the premium amount. These are valid questions to ask:

cheap insurance for Subaru Outback

  • Do the coverages you’re quoting properly cover your vehicle?
  • How many years of experience in personal lines insurance coverages do they have?
  • Is the agent and/or agency licensed to do business in your state?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?
  • What are the financial ratings for the companies they represent?

After getting reasonable responses to these questions in addition to an acceptable price estimate, it’s possible that you found an insurance agency that is a good match to properly service your auto insurance policy.

These factors can influence Subaru Outback insurance rates

An important part of buying insurance is that you know the different types of things that come into play when calculating the rates you pay for auto insurance. Knowing what determines base rates empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Where you live can impact rates – Choosing to live in a rural area has it’s advantages when buying auto insurance. Less people living in that area means fewer accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have congested traffic and a longer drive to work. Longer commute distances translates into higher accident risk.
  • Do you qualify for a multi-policy discount? – Many insurers provide better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. If you currently are using one company, you still need to shop around to ensure the best deal. You may still find a better deal by buying auto insurance from a different company.
  • High performance equals high price – The type of vehicle you are insuring makes a substantial difference in the rate you pay. The cheapest insurance rates are usually for economy passenger cars, but the cost you end up paying is determined by many additional factors. Because the Subaru Outback is a station wagon, rates will be similar in price or lower compared to average rates.
  • Extra coverages can waste money – There are a ton of extra bells and whistles that you can get tricked into buying on your auto insurance policy. Coverages like vanishing deductibles, accidental death and motor club memberships may be wasting your money. These coverages may sound good initially, but if you don’t need them get rid of them and save.
  • Rate your vehicle for proper use – The higher the mileage driven in a year’s time the more you will pay for auto insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Outback can result in significantly higher rates. Verify your auto insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money.

Best coverage at the best price

Budget-conscious Subaru Outback insurance is available from both online companies as well as from independent agents, and you should be comparing both in order to have the best price selection to choose from. A few companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

We just showed you a lot of ways to reduce Subaru Outback insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm or Progressive.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.